§ This Scheme provides the benefits of savings and cummulative.

§ An ideal scheme for retailers, self employed and service class.

§ Depositor will open a account of savings nature with Rs.250.00 and he can deposits as many times as he wish in a single day in the multiple of Rs.50.00

§ He can deposit a minimum of Rs.50.00 at a time.

§ On the day one of next month the amount in the multiples of 100 will be transferred to kiran cummulative account automatically.

§ This account can be opened for minimum one year to maximum five years in the multiple of three months.